Legal Disclosures

Company Licensing Information

The products and services described in this website (the "Site") are underwritten by Republic Indemnity Company of America and Republic Indemnity Company of California (collectively “Republic”). Products are only available in California, Alaska, Arizona, Nevada, Oregon, Idaho, Montana, Utah, New Mexico, Texas, Colorado, Kansas and Missouri.

Republic Indemnity Company of America is a CA domiciled company, authorized in all 50 states and the D.C. except in CT, MA, MN, NH, NJ, NY, ND, PA, VT and WY, with its principal place of business at 15821 Ventura Boulevard, Suite 370, Encino, CA 91436, NAIC number 22179.

Republic Indemnity Company of California is a CA domiciled company, authorized in all 50 states and the D.C. except in CT, FL, ME, MA, MN, NH, NJ, NY, ND, PA, VT, VA and WY, with its principal place of business at 15821 Ventura Boulevard, Suite 370, Encino, CA 91436, NAIC number 43753.

Website Terms of Use

This Site is the property of Republic. This page sets forth the terms and conditions under which Republic provides the information on this Site, as well as the terms and conditions governing your use of the Site ("the Terms of Use"). By making use of this Site, you agree to be bound by these Terms of Use. If these Terms of Use are construed as an offer, acceptance is limited expressly to the terms and conditions stated herein. Changes to the terms and conditions take effect when posted to the Site. We reserve the right, at any time and from time to time, temporarily or permanently, in whole or in part, to: modify or discontinue the Site, with or without notice; and/or offer opportunities to some or all users of the Site. You agree that neither Republic nor its affiliates shall be liable to you or to any third party for any modification, suspension or discontinuance of the Site, in whole or in part, or of any service, content, feature or product offered through the Site. Your continued use of the Site after such changes will indicate your acceptance of such changes. IF AT ANY TIME YOU DO NOT ACCEPT THE TERMS AND CONDITIONS, DO NOT ACCESS THE SITE OR ANY OF ITS PAGES.

Registration; User Names and Passwords

You may be required to register with Republic in order to access certain services or areas of the Site. With respect to any such registration, we may refuse to grant you, and you may not use, a user name (or e-mail address) that is already being used by someone else; that may be construed as impersonating another person; that belongs to another person; that personally identifies you; that violates the intellectual property or other rights of any person; that is offensive; or that we reject for any other reason in our sole discretion.

Your user name and password are for your personal use only, and not for use by any other person. You are responsible for maintaining the confidentiality of any password you may use to access the Site, and agree not to transfer your password or user name, or lend or otherwise transfer your use of or access to the Site, to any third party. You are fully responsible for all interaction with the Site that occurs in connection with your password or user name (including, without limitation, all transactions). You agree to immediately notify Republic of any unauthorized use of your password or user name or any other breach of security related to your account or the Site, and to ensure that you "log off"/exit from your account with the Site (if applicable) at the end of each session. To the fullest extent permitted by applicable law, Republic shall not be liable for any loss or damage arising from your failure to comply with any of the foregoing obligations. Republic is authorized to rely upon any acts or communications it receives under your password as if such acts or communications have been made by you unless Republic receives explicit prior notice otherwise.

Use of this Site is governed by the laws of the state of California, other than laws governing conflicts of laws. The exclusive venue for the resolution of any related dispute is a court of competent jurisdiction in Los Angeles County, California. If any part of these terms and conditions are invalidated by a court of competent jurisdiction, the invalid provision(s) are deleted and the remaining provisions are not affected and remain valid and enforceable in accordance with the express terms thereof.

Loss Prevention

The information presented in this Site is intended to provide guidance and is not intended as a legal interpretation of any federal, state or local laws, rules or regulations applicable to your business. The loss prevention information provided is intended only to assist policyholders in the management of potential loss producing conditions involving their premises and/or operations based on generally accepted safe practices. In providing such information, Republic does not warrant that all potential hazards or conditions have been evaluated or can be controlled. It is not intended as an offer to write insurance for such conditions or exposures. The liability of Republic Indemnity Company of America and its affiliated insurers is limited to the terms, limits and conditions of the insurance policies underwritten by any of them.

Products Availability

The information and descriptions of products and services contained in this Site are intended as general information and do not contain all of the terms, conditions, limitations and exclusions applicable to the products and services offered by Republic. Republic may make improvements and/or changes in the products, services and/or programs described on this Site at any time without notice.

None of the information and descriptions contained in this Site should be viewed as an offer to sell or as a solicitation to purchase any of Republic’s products or services. Availability of the products and services described varies by state. This is not intended as a solicitation or offer to sell an insurance product in a jurisdiction in which the solicitation, offer, sale or purchase thereof would be unlawful.

This Site does not amend, modify or supplement any insurance policy. Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by the Republic underwriting company providing such products or services. This Site does not make any representation that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording. The precise coverage afforded is subject to the terms, conditions, limitations and exclusions of the policies as issued and may vary from the general, summarized coverage descriptions in this Site. Refer to the actual policy for a full description of applicable terms, conditions, limitations and exclusions. In the event of a discrepancy between the descriptions on the Site and the insurance policy, the insurance policy shall control.

Third Party Sites

This Site may contain links to other Internet sites ("third-party sites") that are not maintained by Republic. These links are provided solely for your convenience. Republic makes no warranties or representations about and disclaims any responsibility for the contents of any products or services offered in such third-party sites. Any reference to linked third-party sites or any specific product or service by name does not constitute or imply its endorsement by Republic. YOU AGREE THAT YOUR USE OF THIRD-PARTY SITES AND RESOURCES, INCLUDING WITHOUT LIMITATION, YOUR USE OF ANY CONTENT, INFORMATION, DATA, ADVERTISING, PRODUCTS, OR OTHER MATERIALS ON OR AVAILABLE THROUGH SUCH THIRD-PARTY SITES AND RESOURCES, IS AT YOUR OWN RISK AND IS SUBJECT TO THE TERMS AND CONDITIONS OF USE APPLICABLE TO SUCH THIRD-PARTY SITES AND RESOURCES.

Warranties Disclaimers

The materials contained in this Site and in linked sites directly or indirectly accessible from this Site are provided without warranties of any kind, either express or implied, including but not limited to all implied warranties of merchantability or fitness for a particular purpose, title or non-infringement.

Limitation of Liability

NEITHER REPUBLIC NOR ANY OF ITS AFFILIATES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND, UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, USE, DATA, LOSS OF OTHER INTANGIBLES, LOSS OF SECURITY OF INFORMATION YOU HAVE PROVIDED IN CONNECTION WITH YOUR USE OF THE SITE, OR UNAUTHORIZED INTERCEPTION OF ANY SUCH INFORMATION BY THIRD PARTIES, EVEN IF ADVISED IN ADVANCE OF SUCH DAMAGES OR LOSSES. IN PARTICULAR, AND WITHOUT LIMITATION, NEITHER REPUBLIC NOR ANY OF ITS AFFILIATES WILL BE LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR FROM ANY CONTENT POSTED ON THE SITE BY REPUBLIC OR ANY THIRD PARTY. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING THE SITE. THE MAXIMUM LIABILITY OF REPUBLIC AND ITS AFFILIATES FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING WITHOUT LIMITATION NEGLIGENCE) OR OTHERWISE, SHALL BE THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO REPUBLIC FOR THE SOLE PURPOSE OF ACCESSING AND USING THE SITE, IF ANY.

While we try to maintain the integrity and security of the Site and the servers from which the Site is operated, we do not guarantee that the Site will be or remain secure, complete or correct, or that access to the Site will be uninterrupted. The Site may include inaccuracies, errors and materials that violate or conflict with these Terms of Use. Additionally, third parties may make unauthorized alterations to the Site. If you become aware of any unauthorized third party alteration to the Site, contact us at marketing@ri-net.com with a description of the material(s) at issue and the URL or location on the Site where such material(s) appear.

Submissions

All information that you submit to Republic via this Site shall be deemed, and remain, the property of Republic. Republic shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this Site provides through this Site. Republic shall not be subject to any obligations regarding such information except as expressly indicated with respect to personally identifiable consumer information in any consumer Privacy Statement(s) contained within the Site, agreed to by Republic having the direct customer relationship with the person providing the information or otherwise specifically agreed to in a separate writing or required by law. You further recognize that Republic does not want you to provide, and prohibits you from providing, any information or material to Republic that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity.

Indemnity

You agree to indemnify and hold Republic, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against Republic by any third party due to or arising out of, or in connection with, your use of the Site.

Information or Complaints

Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice: If you have a question or complaint regarding the Site, please send an e-mail to marketing@ri-net.com. You may also contact us by writing to P.O. Box 20036, Encino, CA 91416-0036, or by calling us at 818-382-1007. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.